Many car buyers often ask if I can still borrow if I have a bank loan. This is a common problem. In order to market products, banks provide consumers with a number of forms of credit, such as instalments or zero down payment loans. So, using the bank's car loan product, can we relocate

What are the conditions for applying for a bank loan

The answer depends on your repayment record. Banks promote car loan products in order to promote more consumer activity, but they value the credit position and repayment records of each borrower. In the case of late repayments or arrears in the repayment of a car loan, the bank may carefully consider whether to extend another loan to you during the credit evaluation. Therefore, if you wish to make another loan, you must comply with the repayment requirements in full and on time, as required。

Moreover, the possibility of re-loaning is also related to the bank's loan requirements. In the provision of loan services, banks generally set stricter thresholds for the conditions of applicants, the return of funds, the duration of loans, etc. If you already have a car loan and can repay it normally, but because you cannot meet some of the bank ' s loan requirements, you can consider changing the bank to find a more suitable loan product to increase the success rate of the loan。

In view of the confusion about the need for a car loan, I would like to extend it to all. To apply for a car loan, you have to meet the following conditions:

1. If you are 18 years of age or older, are in possession of a valid certificate of identity and have full civil capacity。

2. A permanent and detailed proof of residence can be provided。

3. A stable source of income to be able to repay the principal and interest of the loan on time。

4. Not only is an individual ' s social reputation good, but a record of letters cannot be recorded in any bad way。

5. You shall be in possession of a contract or agreement for the purchase of vehicles approved by the bank。

6. You also need to meet various other conditions imposed by banking cooperation agencies。